UFB Direct vs USAA Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to USAA Bank? Read our comparison chart below.

	UFB Direct	USAA Bank
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 3.26% APY - Learn More Read UFB Direct Review	SPECIAL OFFER 6-Month CD - 2.25% APY - Learn More Read USAA Bank Review
	Benefits and Features
Savings	Up to 3.26% APY	USAA Savings and USAA Youth Savings: 0.01% APY. $25 to open. USAA Performance First Savings: Earn up to 0.50% APY. $1,000 to open.
CD	N/A	0.05% to 2.25% APY. Terms of 91 days to 7 years. Minimum deposit of $1,000 to open.
Checking	N/A	Classic Checking, Youth Spending
Money Market	Up to 3.26% APY
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	100,000+ USAA and USAA-preferred ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT	Monday - Friday: 9AM - 5PM (ET) Saturday: 8:30AM - 1PM (ET)
IRA CD		0.01% APY. Terms of 182 days to 1 year. Minimum deposit of $250.
Locations	Online only	4 financial centers in Colorado, New York, Maryland, and Texas
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
Fees
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: $0 monthly fees Free bank card Cons: Low APY Not available for all
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Savings account with low rate and limited availability... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 3.26% APY UFB Freedom Checking & Savings - Unlock Up to 3.46% APY UFB Portfolio Money Market - Earn up to 3.26% APY	6-Month CD - 2.25% APY 9-Month CD - 2.00% APY 9-Month Jumbo CD - 2.00% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. UFB Direct: Pricing information from published website as of 02/20/2026. USAA Bank: Pricing information from published website as of 03/07/2026.

Member FDIC

UFB Portfolio Savings - Earn up to 3.26% APY

Learn More

Earn up to 3.26% APY.*
No monthly maintenance fees.
No minimum deposit required to open an account.
Access your funds 24/7 with easy-to-use digital banking tools.
Enjoy peace of mind with FDIC insurance up to the maximum allowance limit – Certificate #35546.

Member FDIC

UFB Freedom Checking & Savings - Unlock Up to 3.46% APY

Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.* Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.

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Member FDIC

UFB Portfolio Money Market - Earn up to 3.26% APY

Learn More

Earn up to 3.26% APY*
Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
Access your funds 24/7 with easy-to-use digital banking tools.
Have peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.

Which is Better: UFB Direct or USAA Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing UFB Direct or CIT Bank.

In short: UFB Direct's savings is outstanding.